Downloadable computer application software for processing electronic payments and for transferring funds to and from others; downloadable authentication software for controlling access to and communications with computers and computer networks for the purpose of processing electronic payments and for transferring funds; downloadable computer software, namely, an electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environments; downloadable computer software and computer hardware for making, authenticating, facilitating, operating, managing, and processing payment transactions with credit cards, debit cards, prepaid cards, payment cards, gift cards, and other payment forms; downloadable software development kits, namely, software for use in customizing payment software; downloadable mobile applications for processing electronic payments and for transferring funds to and from others

Providing electronic processing of electronic funds transfer, ACH, credit card, debit card, electronic check and electronic payments